System and methods of transaction originator identifier for on-line commercial transaction

Abstract

A packet gateway in a mobile network generates a unique identifier related to a mobile device owner and inserts the unique identifier into a data request. A merchant website receives and forwards the unique identifier to a customer information mediation server. The customer information mediation server utilizes the unique identifier to retrieve information related to the mobile device owner and provides the retrieved information to the merchant website. The merchant website, in turn, provides portions of the retrieved information to the mobile device as part of the response to the data request. The provided portions of the retrieved information may be included as pre-populated fields, for example in a check-out form of a web page. The mobile device owner may then complete the check-out or other transaction without entering any, or entering only limited, information related to the owner.

What is claimed is: 
     
       1. A system, comprising:
 a customer information mediation device comprising:
 a memory; and 
 a processor connected to the memory, 
 the customer information mediation device being configured to:
 receive, from a merchant device via a data communication interface, a unique identifier related to a mobile device based on the mobile device being associated with a subscriber of a particular mobile communication network,
 the merchant device being different from the mobile device, 
 the merchant device being associated with a merchant website, and 
 the customer information mediation device being associated with the particular mobile communication network; 
 
 send a first request, to a unique identifier database via the data communication interface, for a mobile subscriber account record identifier that corresponds to the unique identifier,
 the mobile subscriber account record identifier identifying a mobile subscriber account record of the subscriber, and 
 the unique identifier database being associated with the particular mobile communication network; 
 
 obtain, from the unique identifier database via the data communication interface, the mobile subscriber account record identifier based on the unique identifier matching a stored unique identifier in the unique identifier database; 
 send a second request, to a customer database via the data communication interface, for customer information associated with the subscriber based on obtaining the mobile subscriber account record identifier,
 the customer database storing subscriber account records of customers subscribed for service by the particular mobile communication network; 
 
 obtain, from the customer database via the data communication interface, the customer information based on the customer information corresponding to the mobile subscriber account record identifier; and 
 provide, to the merchant device via the data communication interface, the customer information and financial account information associated with the subscriber,
 the customer information and the financial account information being provided as part of a check-out webpage or an order confirmation webpage without requiring the subscriber to log into the merchant website and without utilizing cache of a web browser. 
 
 
 
 
     
     
       2. The system of  claim 1 , wherein the unique identifier is extracted from an HTTP request,
 the unique identifier being in a HTTP header field of the HTTP request. 
 
     
     
       3. The system of  claim 1 , wherein:
 the unique identifier is a keyed-hash message authentication code of the mobile subscriber account record identifier. 
 
     
     
       4. The system of  claim 1 , wherein the customer information includes at least one or more of:
 a name of the subscriber; 
 a street address of the subscriber; 
 a phone number of the subscriber; or 
 last four digits of a social security number of the subscriber. 
 
     
     
       5. The system of  claim 1 , wherein the customer information mediation device is further configured to:
 obtain, from at least one computer platform of a financial institution and based on the mobile subscriber account record identifier, the financial account information. 
 
     
     
       6. The system of  claim 5 , wherein the financial account information comprises at least one or more of:
 a billable account number; 
 a billable account expiry data; or 
 a billable account type data. 
 
     
     
       7. The system of  claim 5 , wherein the financial account information comprises:
 at least two billable account numbers; 
 at least one billable account expiry data for each billable account number; and 
 at least one billable account type data for each billable account number. 
 
     
     
       8. The system of  claim 1 , wherein the customer information mediation device is further configured to:
 provide the unique identifier to at least one computer platform of a financial institution; and 
 obtain, from the at least one computer platform of the financial institution based on providing the unique identifier, the financial account information. 
 
     
     
       9. A non-transitory computer readable medium storing instructions, the instructions comprising:
 one or more instructions which, when executed by one or more processors, cause the one or more processors to:
 receive, from a merchant device via a data communication interface, a unique identifier related to a mobile device based on the mobile device being associated with a subscriber of a particular mobile communication network,
 the merchant device being different from the mobile device, and 
 the merchant device being associated with a merchant website; 
 
 send a first request, to a unique identifier database via the data communication interface, for a mobile subscriber account record identifier that corresponds to the unique identifier,
 the mobile subscriber account record identifier identifying a mobile subscriber account record of the subscriber, and 
 the unique identifier database being associated with the particular mobile communication network; 
 
 obtain, from the unique identifier database via the data communication interface, the mobile subscriber account record identifier based on the unique identifier matching a stored unique identifier in the unique identifier database; 
 send a second request, to a customer database via the data communication interface, for customer information associated with the subscriber based on obtaining the mobile subscriber account record identifier,
 the customer database storing subscriber account records of customers subscribed for service by the particular mobile communication network; 
 
 obtain, from the customer database via the data communication interface, the customer information based on the customer information corresponding to the mobile subscriber account record identifier; and 
 provide, to the merchant device via the data communication interface, the customer information and financial account information associated with the subscriber,
 the customer information and the financial account information being provided as part of a check-out webpage or an order confirmation webpage without requiring the subscriber to log into the merchant website and without utilizing cache of a web browser. 
 
 
 
     
     
       10. The non-transitory computer readable medium of  claim 9 , wherein the unique identifier is a keyed-hash message authentication code of the mobile subscriber account record identifier. 
     
     
       11. The non-transitory computer readable medium of  claim 9 , wherein the customer information includes at least one or more of:
 a name of the subscriber; 
 a street address of the subscriber; 
 a phone number of the subscriber; or 
 last four digits of a social security number of the subscriber. 
 
     
     
       12. The non-transitory computer readable medium of  claim 9 , wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
 obtain, from at least one computer platform of a financial institution and based on the mobile subscriber account record identifier, the financial account information. 
 
     
     
       13. The non-transitory computer readable medium of  claim 12 , wherein the financial account information comprises at least one or more of:
 a billable account number; 
 a billable account expiry data; or 
 a billable account type data. 
 
     
     
       14. The non-transitory computer readable medium of  claim 12 , wherein the financial account information comprises:
 at least two billable account numbers; 
 at least one billable account expiry data for each billable account number; and 
 at least one billable account type data for each billable account number. 
 
     
     
       15. The non-transitory computer readable medium of  claim 9 , wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
 provide the unique identifier to at least one computer platform of a financial institution; and 
 obtain, from the at least one computer platform of the financial institution based on providing the unique identifier, the financial account information. 
 
     
     
       16. A method, comprising:
 receiving, by a customer information mediation device and from a merchant device via a data communication interface, a unique identifier related to a mobile device based on the mobile device being associated with a subscriber of a particular mobile communication network,
 the merchant device being different from the mobile device, 
 the merchant device being associated with a merchant website, and 
 the customer information mediation device being associated with the particular mobile communication network; 
 
 sending, by the customer information mediation device via the data communication interface, a first request to a unique identifier database for a mobile subscriber account record identifier that corresponds to the unique identifier,
 the mobile subscriber account record identifier identifying a mobile subscriber account record of the subscriber, and 
 the unique identifier database being associated with the particular mobile communication network; 
 
 obtaining, by the customer information mediation device and from the unique identifier database via the data communication interface, the mobile subscriber account record identifier based on the unique identifier matching a stored unique identifier in the unique identifier database; 
 sending, by the customer information mediation device via the data communication interface, a second request to a customer database for customer information associated with the subscriber based on obtaining the mobile subscriber account record identifier,
 the customer database storing subscriber account records of customers subscribed for service by the particular mobile communication network; 
 
 obtaining, by the customer information mediation device and from the customer database via the data communication interface, the customer information based on the customer information corresponding to the mobile subscriber account record identifier; and 
 providing, by the customer information mediation device and to the merchant device via the data communication interface, the customer information and financial account information associated with the subscriber,
 the customer information and the financial account information being provided as part of a check-out webpage or an order confirmation webpage without requiring the subscriber to log into the merchant website and without utilizing cache of a web browser. 
 
 
     
     
       17. The method of  claim 16 , where the unique identifier is extracted from an HTTP request,
 the unique identifier being in a HTTP header field of the HTTP request. 
 
     
     
       18. The method of  claim 16 , where,
 the unique identifier is a keyed-hash message authentication code of the mobile subscriber account record identifier of the mobile device. 
 
     
     
       19. The method of  claim 16 , wherein the customer information includes at least one or more of:
 a name of the subscriber; 
 a street address of the subscriber; 
 a phone number of the subscriber; or 
 last four digits of a social security number of the subscriber. 
 
     
     
       20. The method of  claim 16 , further comprising:
 obtaining, by the customer information mediation device from at least one computer platform of a financial institution and based on the mobile subscriber account record identifier, the financial account information.